"You're not poor, you get the most year-end bonuses every year, and you just bought a yacht recently? I heard someone say last night that more than 100 million US dollars said to buy it, and I made a lot of money by investing.

Actually, I envy your life, words such as goals and ideals are too far away from me, believe me, after getting so much money, you will soon regret it. ”

When Han Xuan said this, he had a melancholy expression on his face, with the momentum of Boss Ma back then, "he will be at the top and see the mountains at a glance", when Boss Ma said that he didn't like money, he was only worth two or three billion US dollars, and he is now worth dozens of times that of Boss Ma.

The old executive Charlie wanted to refute, but there was no reason to refute it, no matter what it was, it was indeed too simple for the current small boss to implement.

Judging from the Mars colonization plan that has been often mentioned recently, it is not impossible, with the current human technology, as long as they are willing to spend money, it can be realized in the near future.

A few people living on Mars for a period of time and a group of people living on Mars for a long time are two concepts, and now it seems that Han Xuan wants to achieve the latter, otherwise he would never try to invest so much money.

"Perhaps, my life is very good now, provided that you don't fire me, just now Mr. President asked you to buy Treasury bonds? Sorry, I overheard something. ”

As soon as the old Charlie finished speaking, Secretary Dawson ran back out of breath, followed by the head of the PayPal company, who was also out of breath, and he said to Han Xuan: "I brought the executive officer, what do you want to ask?" ”

After hearing this, Han Xuan was stunned for a moment, and then cried and laughed: "I'll let you take the nearest newspaper, the newspaper about the contradiction between the financial allocation between the Congress and the president!" ”

"nespaper" and "PayPal", Secretary Dawson just looked at Han Xuan's mouth, and took it for granted that he was looking for PayPal, and at the moment he was so ashamed that he wanted to find a hole to jump into, because the PayPal executive was squatting in the pit before, and was called by Dawson through the door, because it was the president's call, he thought there was something important.

The current CEO of PayPal is named Luke, graduated from the Massachusetts Institute of Technology, has a certain understanding of technology, and has six years of experience in the headquarters of Snow Mountain Group, with strong work ability, and has just been promoted to CEO this year.

Mr. Luke figured out the cause and effect, smiled and patted Secretary Dawson on the shoulder, the two are not much different in age, both are only in their thirties, from the company's level, Secretary Dawson is taller than him as CEO, and they have already met.

I didn't mind saying: "I was shocked, I thought the president was going to limit our PayPal operating model, and in 2002 I interviewed the then executive officer, and the director of the tax department took our PayPal money laundering case seriously."

It has been operating for several years, but the official staff who can't turn their way of thinking still regard our PayPal as an illegal organization, and often have to explain to them for a long time before they can figure out the operating model. ”

was supposed to come over for a meeting this morning, after figuring out that it was an oolong, the executive officer Mr. Luke did not plan to leave, and there were not many opportunities to meet Han Xuan, when the branches were meeting, the chairman's position was generally empty, and the small shareholders were arguing, in fact, they had no decision-making power at all, they could only express their opinions, and I hope that Han Xuan could know through the meeting minutes, and then agree with his ideas.

The word "money laundering" successfully attracted Han Xuan's interest, he also laundered money in the early stage of development, not because of any illegal funds, but because he laundered "white money" into "white money", and changed his left hand for his right hand to realize the transfer of assets, and asked:

"Luke, using PayPal to launder money? How do they work?

Also, how much do we charge for transfers now? It's been a long time since I've heard about this, or is it the same as before? 3.5 percent? ”

After several years of development, PayPal is currently the world's largest online payment service provider, with more than 70 million user accounts, distributed in more than 140 countries and regions around the world, and able to support payment and collection in 20 currencies.

With the increasing number of Internet users, the number of PayPal users is also increasing, is a small number of profitable listed companies, and the vast majority of Internet companies are still burning money for a long time, those who have the ability to get financing can continue to insist, and those who cannot get financing will soon disappear.

In the three years after the bursting of the Internet bubble in the 90s of the last century, there were more bankrupt Internet companies than Han Xuan imagined, and since last year, they have won the favor of investors again, more and more enterprises and individuals have begun to invest in the Internet industry, and the NASDAQ index has also begun to rise.

The industries invested in during the trough have helped Han Xuan earn a lot of book wealth, and those who laughed at Han Xuan at the beginning began to laugh, and many investors who followed in Han Xuan's footsteps made a lot of money by buying low.

At present, the subsidiaries of the Hope Group are doing well, falling below average during the dot-com bubble crisis, and at the same time taking the lead in starting to recover......

Executive Luke didn't expect that he would suddenly face the "class work" of the small boss, but the data about the company had already been remembered in his mind, and he immediately replied:

"Since January 1 this year, it has risen, and PayPal's fee standard is 4.4% of the transfer amount, plus a transfer fee of 0.3 US dollars, which means that if you transfer 100 US dollars, the fee is 4.7 US dollars.

If the transfer amount is more than $3,000, it drops to 3.9 percent, and if it exceeds 10,000, it is 3.3 percent, and if it reaches more than $100,000, you can also apply for a discount, which only needs to pay about 2.8 percent, plus a flat rate.

The bank takes a part of this profit, we take a part, the payer does not need to give money, and the funds are automatically deducted in the process of entering the payee's account.

Regarding money laundering, it is still happening, and it is difficult for us to control it, because users only need to register an account on our platform and bind it to a bank card to carry out online trade.

The settlement of foreign exchange within the annual limit of 50,000 US dollars, handled with ID card, and the relaxed management policy of foreign exchange settlement within the personal limit provide convenient conditions for customers to receive non-trade inflow foreign exchange settlement, which cannot be canceled, otherwise a large number of users will definitely be lost.

Some users pay taxes after receiving funds in the name of overseas remuneration, and the remaining assets become legal income, and we are studying how to supervise it, but we have not yet found a good way. ”

"Hmm...... It seems that it is really difficult to restrict, and the tax bureau does not need to worry about it for the time being, if they want to investigate, we will cooperate with the investigation.

It's just small-scale money laundering, you should pay attention to the movement of large sums of money, if there is a rumor that PayPal is involved in money laundering, the impact on the company is not very good, try to check suspicious accounts.

Also, the current handling fee seems to be a little higher, that is tantamount to killing the chicken and taking the eggs, the development of users is the key, for the time being, let's do it first, notify me if there is a problem, remember to issue an announcement, tell consumers that the money they paid, where did it go.

Being regarded as a black-hearted company will annoy some consumers, cross-border transfers need to pay handling fees, but being made by the bank is different from being made by us, and some consumers may not be able to accept it.

What about bad debts? What is the current amount of bad debts of the company? ”

Han Xuan continued to sit in the position belonging to Executive Anthony, the old Executive Officer Charlie still drank coffee, Executive Luke and Han Xuan did not meet much, and saw that the little boss let him sit down and said, a little restrained.

"The bad debt rate is very low, but it still happens occasionally, mainly because of the theft of users' accounts.

I remember that at the beginning of PayPal's development, the amount of bad debts in a single month was as high as more than 3 million US dollars, and after analyzing the transaction data, we created today's PayPal anti-theft and anti-fraud transaction system.

This system is the key to the success of our company, so the former CEO decided not to divulge any knowledge and experience in this area as much as possible, and never applied for a patent, because to apply for a patent would have to make all the information public.

Our group has the world's largest cybersecurity group, constantly dealing with security breaches and educating users to prevent falling into fraud traps and the occasional incident, and recently launched a new section that allows you to contact customer service urgently within two hours to terminate the transaction ......"

As the meeting time approached, more and more executives gathered on this floor for the meeting, and the aisles were lined with displays showing real-time stock information of each company, both red and green, and passing past them was like passing by trillions of dollars.

After Han Xuan asked about PayPal, he asked the old executive about the overall situation of the Hope Group recently, the importance of this group is self-evident, last year its Blueberry Group, won the title of "global profit first", the old Charlie executive also because of these companies, can get a large year-end bonus every year.

Even when working in the same building, many executives don't often get together and take the opportunity to be lazy and chat and laugh with each other.

At the same time, Anya, who was shopping in Santa Clara Town, was helping Fat Ding buy hot dogs to eat, Han Xuan recently didn't let him eat such high-calorie things, squatting on the store counter and gobbling it up, the fat owner of the hot dog shop had a funny mustache and took out a blueberry mobile phone to take out a camera, this kind of close contact with Fat Ding is not much.

Anya doesn't like greasy food, she just goes out shopping, and she doesn't mind waiting for the fat guy to finish eating before leaving, the old town is very old, but it is very lively, and there is a large group of people around the door, which makes her a little irritable, and at the same time quite helpless......